UNITED DEBT SOLUTIONS ripoff. MISLEAD, ROBBED ME,CAUSED ME TO HAVE TO FILE BANKRUPTCY!!! ORANGE PARK Florida
I contacted united debt solutions in flordia right after i got married in 2004. They sent me a couple of forms in a folder that didnt really look legit, but...i had called the better business burea in flordia and the company wasnt listed, i also looked online for any complaints against the company and couldnt find anything..
the bad thing was i went with the because i found their ad on television!! they read off some crap over the phone to me and i was told to state my name after it was read..(to agreement). I wasnt ever sent a physical contract to sign.
I was told to set up an account for united debt solutions to take money out of every month...I was to deposit 668.00 each month..$333.00 was to be taken out of the account by U.D.S. for "their fee" for handling my debt negotiations. The other $333.00 was to stay in the account so they could negotiate with my creditors and pull money out of the account to pay off the creditors. When "their fees" reached a certain amount, then they would start the negotiations.
Well I payed them and payed them...about 3200.00. 8 months later i recieved a warrent in debt by a police officer at my door...i immediately called them and asked about the situation and what i should do...capital one was the company that filed it...they talked to a woman named susan and susan told them that if i didnt cough up $537.00 THAT NIGHT!!! that i would be taken to court for the full amount of the debt...UNITED DEBT SOLUTIONS basically acted like they couldnt do anything for me and that susan..or sue..would not take any negotiations or a no for an answer. I ended up doing a check by phone.
3 weeks later UDS calls me and says that 2 of my creditors want to settle...1 of them for 900+ dollars..that night...and another for 1300.00 by monday. I flipped out..HERES the deal..they are full of crap..i told the rep that i wasnt even done paying UDS their fees..much less have a chance to save up all that money in my account over 7-8 months, (which i did have FOR OTHER BILLS!) and pay capital one 5oo plus bucks...(JUST TO STAY OUT OF COURT..THATS RIGHT NONE OF THAT MONEY WENT TOWARD MY DEBT TO CAPITAL ONE) IT all went..just to stay out of court with capitol one!!
Now they wanted me to basically cough up over 2000.00 in one month..they did not tell me that my creditore would settle2-3 at a time and that i needed all of this money to settle out...then i found out that I COULD NEGOTIATE WITH my creditors MYSELF!! I DIDNT need these fools to do this for me.
I HAD a decent credit score up untill UNITED DEBT SOLUTIONS..THEY RUINED MY CREDIT..i was so distrought that I had to pay another 1025.00 to file bankruptcy. Oh and right when i figured out it was a scam..i contacted all my creditors by phone and mail and explained what had happened. I also sent UDS my letter of explanation for cancelling my business with them and of course they sent me a letter saying that they were keeping my money i paid them.
I sent the same letter to all 9 creditors as well..Well my creditors wouldnt even talk to me, they referred me to colleciton agencies..i gave all these collection agencies all of my info. (they didnt even have my phone number or address! and started makeing payments to MANN BRACKEN...AND OTHERS..I PAYED MAN BRACKEN OVER 700.00 AND I came to them and waited on the phone with the lady to start making payments immediatly....TRYING TO do the right thing! (this was before i was forced to file bankruptcy)...
Creditors started calling day and night..wanting insane amounts to settle out..within 2-3 days!!! I didnt have it..i started getting threatened with court actions..more warrents came to my door...and finally i had to go to a lawyer to file bankruptcy...i couldnt take it any more..all of this crap in my life because i was fooled and robbe by UNTIED DEBT SOLUTIONS..
i wanted and TRIED to do the right thing and ended up paying over 6000.00 in a matter of 3 months just to stay out of court and try to make things right with my creditors...MY CREDIT REPORT WAS RUINED..i was up to date and current and made EVERY SINGLE payment on time with all my card companies...I have my credit report to prove it.
UNITED DEBT SOLUTIONS RUINED MY FINAICIAL FUTURE AND NOW I CANNOT GET A DECENT HOME LOAN. I DONT KNOW IF I WILL EVER GET TO OWN A HOME BECAUSE OF THESE HORRIBLE PEOPLE. Please read this and DO NOT use UNITED DEBT SOLUTIONS...i have payed and payed because of them and they walked away with 3000.00 of my hard earned money..
i wait tables and it's hard enough making the rent and working all of those hours. If ANY LAWYER is interested..I still have all of my paper work..every single piece..and i would love to get my money back..i just dont know where to begin. contact me at: ***(((REDACTED FOR SECURITY PURPOSES)))
THANKS SO MUCH FOR TAKING TIME TO READ AND PLEASE DO NOT GO WITH THIS COMPANY IF YOUR RESEARCHING DEBT COLLECTION..GO WITH CHRISTIAN DEBT COUNSELING THEY ARE VERY REPUTABLE..I WISH I WOULD HAVE!
STACEY
BRISTOL, Virginia
U.S.A.
sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail addressfrom this Report.
8 Updates & Rebuttals
Stacey
BRISTOL,Virginia,
U.S.A.
TOO BAD
#9Author of original report
Tue, March 11, 2008
AWWW TOO BAD FOR THE PERSON WHO TRIED TO DFEFEND UNITED DEBT SOLUTIONS. YOUR COMPANY OWNERS ARE BEING SUED AND IT LOOKS LIKE YOU'LL BE OUT OF A JOB, SO YOU CAN'T HELP RIP OFF PEOPLE ANY MORE. I AM MISERABLE WHEN IT COMES TO INJUSTICES AND MONEY BEING STOLEN OUT OF MY PERSONAL BANK ACCOUNT.
I REALLY DON'T LIKE HAVING TO GO THROUGH ALL OF THE BULL OF FILING AN UNAUTHORIZED COMPLAINT AGAINST UDS WITH MY BANK, FAXING CRAP 2 YRS LATER TO YOUR STUPID COMPANY, AND HOPING I WOULD GET MY MONEY BACK YOU MORONS TOOK OUT OF MY ACCOUNT 2 YRS AFTER I HAD STOPPED CORRESPONDING WITH YOU IDIOTS.
I HOPE YOU DO GET YOUR CHANCE TO SERVE IN HELL SINCE YOUR A THEIF AND YOU STAND UP FOR YOUR ACTIONS IN HELPING TO RIP OFF THE ALL READY FINANCIALLY STRUGGLING AMERICANS. I HOPE THEY THROW THE BOOK AT JOHN HACKER AND CHRIS CAPARELLA...AND I HOPE YOU (PERSON WHO RESPONDED)... GET TO REAP WHAT YOU HAVE SEWN.
Robert
Buffalo,New York,
U.S.A.
I'd like to know...
#9Consumer Comment
Fri, August 31, 2007
I would like to know just one thing these "fix my credit" outfits do (besides taking money that could be used to pay down debt) that the consumer debtors cannot do for themselves!
NO ONE NEEDS TO HIRE ANY OF THESE OUTFITS!
Folks can resolve their credit issues, correct credit reports, negotiate settlements with creditors to the mutual benefit of both parties, and formulate a payment plan to payoff ALL creditors, all by themselves! AND, the money they would pay to a "fix my credit" outfit could be used more productively to pay down their existing debt SOONER!
It's all about education! There is no need to hire any "fix my credit" outfit at all!
4yourinformation
N A,Florida,
U.S.A.
Stacy
#9UPDATE Employee
Thu, August 30, 2007
Stacy,
First I would like to say that you are a miserable person. Sounds to me that everything that goes wrong in your life appears to be everyone else fault EXCEPT your own.
UDS tried to help you and it is not our fault that you waited so long to get our help.
As once was told to me and I will quote "it is better to rule in hell then to serve in heaven."
If CNN calls. I will post the date.
have a blessed day
4yourinformation
N A,Florida,
U.S.A.
Stacy
#9UPDATE Employee
Thu, August 30, 2007
Stacy,
First I would like to say that you are a miserable person. Sounds to me that everything that goes wrong in your life appears to be everyone else fault EXCEPT your own.
UDS tried to help you and it is not our fault that you waited so long to get our help.
As once was told to me and I will quote "it is better to rule in hell then to serve in heaven."
If CNN calls. I will post the date.
have a blessed day
4yourinformation
N A,Florida,
U.S.A.
Stacy
#9UPDATE Employee
Thu, August 30, 2007
Stacy,
First I would like to say that you are a miserable person. Sounds to me that everything that goes wrong in your life appears to be everyone else fault EXCEPT your own.
UDS tried to help you and it is not our fault that you waited so long to get our help.
As once was told to me and I will quote "it is better to rule in hell then to serve in heaven."
If CNN calls. I will post the date.
have a blessed day
4yourinformation
N A,Florida,
U.S.A.
Stacy
#9UPDATE Employee
Thu, August 30, 2007
Stacy,
First I would like to say that you are a miserable person. Sounds to me that everything that goes wrong in your life appears to be everyone else fault EXCEPT your own.
UDS tried to help you and it is not our fault that you waited so long to get our help.
As once was told to me and I will quote "it is better to rule in hell then to serve in heaven."
If CNN calls. I will post the date.
have a blessed day
Stacey
BRISTOL,Virginia,
U.S.A.
4yourinformation... FOR YOUR INFORMATION
#9Author of original report
Tue, August 28, 2007
dear, misleaded, misguided, narrrow minded 4yourinformation: GUESS WHAT, I DID HAVE 800.00 IN MY ACCOUNT SAVED UP, AND I HAD TO PAY IT TO CAPTITAL ONE TO STAY OUT OF COURT. YOU DONT KNOW, YOU HAVENT BEEN THERE, AND I CERTAINLY HOPE YOU GET THE ADVENTURE AND RUN AROUND OF SOME CRAPPY COMPANY RIPPING YOU OFF AND CLEANING THE LENT OUT OF YOUR POCKETS. I SAVED, I PAYED OUT AND NOW 2 YRS AFTER THE FACT YOU TRIED TO RIP ME OFF AGAIN BY DIPPING INTO MY BANK ACCOUNT AND STEALING 700.00 YOU IDIOT. NOW YOU CAN DEAL WITH MY BANK, BECAUSE I REVOKED YOUR POWER OF ATTOURNEY OVER MY ACCOUNTS 2 YRS AGO. AND IF UDS EVER DIPS INTO MY ACCOUNT AGIAN, I NOW HAVE THE MONEY TO SUE THE PANTS OFF OF YOU. YOU SCUMBAG LOSERS THAT STEAL OUT OF MY POCKET. THERES A SPECIAL PLACE IN HELL JUST FOR YOU PEOPLE. I THINK THIS TICKS ME OFF MORE THAN WHEN IT HAPPENED, MAYBE I'LL CONTACT DATELINE NBC AND YOUR LOCAL NEWSPAPER AND TELL THEM HOW YOUR CRAPPY COMPANY "HELPS PEOPLE" SCAMMERS
4yourinformation
N A,Florida,
U.S.A.
When you Joined United Debt Solutions (Orange Park FL)
#9UPDATE Employee
Sun, August 26, 2007
Based on the information you have given in this letter. you should have had about 800.00 saved up in your own account if you were following the outline plan that you joined up with.
Also When a creditor gives United Debt Solutions a settlement offer. We contact the client to advise of the offer. We do not know if you came into some extra money or have more money saved away or not. This is why we called you to advised what the offer was at that time. If you did not have the money available we would have called the creditor back and explained that you are only a few months into the program and you do not have enough funds available at the current time.
It is amazing how on TV the Credit Card companies show and suggest that you should use your card to go shopping and buy dinners, go on vacation and use the card for everything and anything. Then when you can't pay the bill they take you to court as if it is all your fault!
United Debt Solutions offers people that fall into this trap a way out. It's that simple. The best way to avoid any of this is in my opinion is
1. get your debt paid off. choose the plan you feel is best for you
2. cancel all of your credit card and keep only one that has the lowest interest rate.
3. If you get an offer on another credit card with a lower interest rate get that card and transfer your balance (if you have a balance) to that card. Then cancel that card with the higher interest rate.
4. only charge on your card what you can afford to pay back.
5. only use the card for extreme purposes only. (dinner and shopping is not extreme cause)
6. Pay cash for everything you need. If you don't have enough cash at the time then you don't need it. Save your money until you can buy whatever it is.
The first full 3 payments go to United Debt Solutions. Towards your fee for the service.
After that a portion of the money continues to come out until all of your fee's with United Debt Solutions are paid.
The rest of the money that is not taken out of your checking or savings account is for YOU to save and not use. To let it build up in your own account and be used towards a settlement offer United Debt Solutions arranges on your behalf.
United Debt Solutions does not say during your sign up process that we pay your creditor for you. United Debt Solutions arranges a settlement offer for you (at a lower price then what you owe). During this process you agree to be saving money every month to make a one time settlement offer.
United Debt Solutions records the calls explaining this. This is also explain to you in the First Financial Aid Package that was mail you you. Which also has the "script" as to what to tell your creditors when they call you.
United Debt Solutions (Orange Park FL) is open from 9:30 AM to 6:00 PM Monday - Friday Eastern Time. You may also send in a fax including your name address (address that United Debt Solutions would have on file for you). clearly explain what has happen along with any documents that support your claim. The fax number is 904-276-3080.
There are a few things someone can do to get out of debt.
1) get a loan. Which is a bad Idea because your still paying everything off with interest and most people end up getting further in debt, Also by doing this you are taking unsecured debt and making it secure (i.e. placing your home as collateral)
2) filling bankruptcy. Which destroys your credit for a long time
3) Credit Counseling. Which also hurts your credit because it will show on your report that you are not able to control your on finances and needed a company to get you out of debt
4) Debt Negation. Which will show that you were behind in payments then you paid off the balance and do not owe anymore money to that collector